How to cancel a credit card?

The process of canceling a credit card:

1. Submit a cancellation application to the card issuing bank. There are two ways to apply for card cancellation:

(1) Apply for credit card cancellation through online banking or by holding the card at the counter of the local card-issuing bank branch.

(2) Call the customer service hotline of the card-issuing bank, follow the voice prompts to complete the relevant operations, and submit a card cancellation request to the customer service;

2. Cut off the credit card that has been successfully canceled: To prevent credit card and personal information from being stolen, remember to cut the discarded credit card along the magnetic strip after successfully canceling the card. If your credit card is lost when applying for card cancellation, in order to ensure privacy and security, it is best to apply for a loss report first and then go through the card cancellation process.

3. Pay off all bill arrears, and make sure there is no balance overflow: before canceling the card, we need to confirm whether we have paid off all the arrears on the current card.

4. Wait for inspection Period: The usual bank inspection period for confirming card cancellation is 45 days, but some banks may also take it within three months. After applying for card cancellation, the credit card will not be canceled immediately. All banks generally have a 45-day "clearance period". Some debts may not appear on the bill when applying for card cancellation. If there is a debt, you need to After the debt is paid, after this period has passed, you can confirm whether the cancellation application has been successful.

How to cancel a credit card account

You can cancel a credit card account through the following methods:

1. You can go to the corresponding branch bank with your ID card and related credit card Sign out at the counter.

2. Call the bank customer service hotline directly, and then transfer to manual service, and ask the manual customer service to apply for cancellation of the credit card.

3. You can upload your ID card, credit card and other information to the official online banking, fill in the account cancellation application and submit it.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

There are two ways to cancel a credit card

There are actually two ways to cancel a credit card: card cancellation and account cancellation.

Canceling a card means canceling a single credit card in one's name, while canceling an account means canceling all credit cards in one's name in a certain bank.

For example, we have three different types of credit cards in a bank. If we cancel the card, only one credit card will be canceled. If we cancel the account, all three credit cards will be canceled. Log out.

If we are unwilling to keep a credit card from a certain bank, we should choose to close the account instead of canceling the card.

Methods to cancel a credit card

There are generally two ways to cancel a credit card: customer service phone cancellation and bank branch cancellation.

Customer Service Telephone Cancellation

We can call the bank's credit card customer service telephone number to enter the manual service and inform the manual that we need to cancel the credit card. Under normal circumstances, the manual customer service will try to retain us. After we explicitly refuse, the customer service will help us handle the cancellation business.

Cancellation at a bank branch

We can go to a bank branch to handle the cancellation business with our ID card and credit card. We can also complete the cancellation after filling in the corresponding procedures.

Notes on canceling credit cards

1. Before canceling, check whether the card has available points, activities that can be participated in, benefits that have not been enjoyed, etc. In order to avoid waste, it is best to It is better to handle the cancellation business after full use.

2. Pay off all credit card debts and confirm that there are no other installment transactions.

3. When canceling, the bank customer service will try their best to retain you, including providing lifetime annual fee-free services, giving away points, etc., so be mentally prepared.

4. After successfully canceling the credit card, destroy the card in a timely manner.

5. Account cancellation may affect your future application for a credit card from this bank.

Credit card cancellation process?

Credit card cancellation process:

1. Call the bank customer service number and apply to cancel the credit card. Note that the bank customer service will usually try to retain you at this time. If you decide to cancel the card, don't listen to his "fooling" and insist on canceling it.

2. From the time you apply for cancellation by phone to the official cancellation, there will be a 30-45 day settlement period. During this period, you must not use your credit card for consumption.

3. 40 days after cancellation, call the bank customer service number to confirm whether the cancellation is successful, so as not to leave a bad record for yourself due to special reasons.

4. Do not throw away canceled credit cards. Cut the magnetic strips into pieces before throwing them away to avoid being picked up by criminals and causing losses to you.

Before canceling a credit card, you must ensure that there is no balance in the credit card, neither arrears nor excess deposits. Because once a credit card has a balance, it cannot be canceled.

Extended information:

There are a few points to note when canceling a credit card:

1. Pay off all outstanding debts in a timely manner. This arrears includes bill arrears and annual fees. If there are still outstanding balances in the card, just cancel the card without hesitation. After the interest is compounded, when the amount reaches a certain amount, the bank will start "debt collection"!

2. Confirm whether to cancel the account after 45 days. Credit card cancellation is usually handled through customer service, but it is not possible to cancel the card successfully at that time. When you propose to cancel the card, the account will enter the pre-cancellation state. Whether the account has been successfully canceled will not be known until 45 working days.

3. Cut the magnetic strip when deleting the card. If the card is complete, it may still be usable in some consumption places that only require information without verifying it. The best way is to cut the magnetic strip into several pieces and throw them into different garbage dumps to avoid future troubles!

How to cancel a credit card?

1. Cancel credit card via customer service phone number

You can apply for card cancellation by calling the 24-hour customer service hotline. There must be no outstanding balance in the account when canceling the card, and to ensure the security of the account, the card must be with you when canceling the card over the phone.

2. Cancel credit card at the counter

If your bank credit card is lost, you can only cancel the card at the branch counter. If there are new accounts payable within 45 days (inclusive) of card cancellation, you will still be responsible for it. If there is no outstanding balance or over-deposit in the account 45 days after the card is canceled, the system will automatically cancel the account without any procedures.

1. Don’t swipe your card 7

1. Don’t be too early: Try not to swipe your card before 9 a.m., because according to common sense, most stores are not open yet.

2. Don’t be too late: Try not to swipe your card after 10 pm, because according to common sense, most shops are closed.

3. Don’t swipe integers: Don’t swipe integers such as 10,000 or 5,000. Try to use a decimal point every time you swipe the card, such as 18897.8, and do not swipe the amount repeatedly or regularly.

4. Try not to use the cap: Because of the cap rate, the bank has no money to make.

5. Do not swipe the same card more than 3 times in a day: too many swipes can easily arouse suspicion.

6. Don’t spend all the credit in one go: If the credit is tens of thousands, try to spend it over several days.

7. Don’t make a one-time payment and then withdraw it again: Especially if you pay it back on the repayment date and then withdraw it again and again, this is a taboo.

2. 7 things to do when swiping a credit card

1. Frequency should be high: Develop the habit of swiping your card anytime and anywhere. When buying cigarettes or drinks, try to swipe your card wherever possible. The more you swipe, it means you have a rich variety of card swipes, good turnover, easy to increase your credit limit, and less likely to be subject to risk control.

2． The amount of credit card swiped should be in line with your usual consumption habits: if the amount of credit card swiped is usually tens of dollars, and suddenly there are a large number of card swipes of tens of thousands, it is easy to be controlled by risks, so swipe cards should be done step by step, and do not jump from a few hundred to tens of thousands all at once.

3. Try to buy with points: this way the bank will make money, and sometimes it will turn a blind eye if it knows you are cheating.

4. You need to apply for installments: occasionally pay more than 600, and then apply for installments to make money for the bank. In this way, the bank will think that you are a high-quality customer, and it will be easy to increase the limit.

5. Switch stores: Try to choose a different store every time you scan.

6． Cycle again, cycle brush. You need to start repaying before the final repayment date, repay 1/10 to 1/3 every day, and then swipe it out, and pay it again the next day. In this way, you only need to leave 1/10 of the credit limit on a card to repay it in full. Uh-huh.

7. Be sure to cherish your credit report and never overdue it. If you can't pay off the loan on the last payment day, you can call your bank and they will usually give you a 3-day extension. You should try your best to pay it off within these 3 days~

About how to cancel a credit card and how to cancel a credit card This is the end of the fastest introduction to cards. I wonder if you found the information you need?